The laws have changed, but has the culture? National rolled back Labour's hate speech proposals and forced universities to protect free speech. On paper, that looks like a win for democracy.

But freedom on paper doesn't mean much if people are still scared to speak out. Most of us learned to keep quiet during the Ardern era, not because of what was illegal, but because of what felt dangerous to say.

The real question isn't whether you trust this government with speech laws. It's whether you trust any government to decide what's true. And while politicians debate, algorithms still decide who gets heard.

Bad ideas don't disappear when you ban them, they grow in the dark. The only real cure for bad speech is better speech.

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The government says inflation is 4%. Gold says it's 19% per year. Someone's lying, and it's not gold.

Most people think inflation just means prices go up. But there's something much bigger happening, a 300-year-old trick that decides who gets rich and who gets left behind.

When central banks create new money, it doesn't land in your bank account. It goes to governments, banks, and big institutions first. They buy assets before prices rise. By the time that money reaches your wages, everything costs more.

This isn't bad luck or market forces. It's designed this way. And once you understand how money really enters the system, you'll stop blaming yourself and start protecting your wealth.

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In this video, I break down what's really changed these past few years in the property space. The equity gap between asset owners and savers. Why DTI rules protect the system but lock out a generation. And the good news... Supply is finally moving, red tape is being cut, and we're past the housing market bottom.

Co-ownership, townhouses, regional moves... Home ownership in 2026 looks different. The ladder hasn't disappeared, it just changed shape.

Stop waiting for the past to return. Adapt to the market as it is.

Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt

Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/

Learn how to become a profitable developer in New Zealand at https://thepropertydevelopmentclub.com